My BPI Express Credit Arrived! To readers of my blog, you’ve probably noticed that my blog has popular posts about the electronic credit cards of some Philippine banks. I was struggling on getting a real credit card so an electronic/prepaid credit card was my alternative. I got a phone call from a BPI representative. I don’t know if she was an actual employee of BPI or if she was a call center agent.
She interviewed me for several minutes and then popped the question. Do I want to have a GOLD MASTERCARD? Of course I was curious so I said yes. There were no details, nothing to sign and nothing to pay. Basically, the whole call was my application process.
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I was thinking that my application would probably be denied anyway so I gave the go signal. She told me the credit card will be delivered and that was it. Surprise! Several days later, I got a message that my application was approved and that my card was on the way. So yeah, I was excited.
I wasn’t expecting much because I really did not know the credit limit of the card I was getting. I was thinking that I’d get only about 2. I did tell her that my net income is only Php 1.
Fast forward to the day I got my card. I opened the letter and a whopping six figure credit limit popped out! I got a Php 2. 00,0. It was scary and exciting at the same time! A lot of my friends were asking why I got a card like that because when they applied, they got denied.
I told them, I didn’t apply. BPI called me! I guess it’s probably because I’ve been using BPI express a lot.
Basically this is what I’ve been doing with BPI: Used their ATM as my savings account. I didn’t mind the 5 peso deductions every transaction. Purchased stuff using said prepaid credit card. I’ve been a BPI customer for some 4 years I guess.
So I’m kind of happy that they gave me this Gold Mastercard. I’m a little bit hesitant to use it but now I can finally pay for NCLEX without having to ask a friend to use their credit card. I won’t have to line up in getting a manager’s check or something.